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jeudi 7 janvier 2016

Rude! Stage-crasher interrupts the People's Choice Awards (VIDEO)

Yo. I'ma let you finish but Kevin Gates hadis coming out with one of the greatest albums of all time. Or at least that's what this kid thought. https://www.youtube.com/watch?v=manUPIk47dk The yet-to-be-identified youth crashed the stage at tonight's People's Choice Awards and promptly Kanye'd The Talk's Sharon Osbourne, Julie Chen, Sheryl Underwood, Aisha Tyler and Sara Gilbert as the co-hosts were trying to accept the award for favorite daytime hosting team. But Sheryl and Sharon just weren't havin' it. The duo put the team on their backs and handled the Kevin Gates/Yeezy stan themselves, kicking him (quite literally) off the stage. No details yet on how the stage-crasher was able to get past security, but it appears that he, indeed, jumped over the Jumpman. The security team at Microsoft Theater and People's Choice spokespeople have so far denied USA TODAY's request for comment.

mardi 5 janvier 2016

Guns N' Roses, LCD Soundsystem, Calvin Harris headlining Coachella 2016

Coachella announced its official lineup for 2016 on Monday (Jan. 4), with headliners Guns N' Roses, LCD Soundsystem and Calvin Harris atop the bill. The two-weekend festival is scheduled for April 15-17 and 22-24.

A Guns N' Roses reunion for the event had previously been confirmed to Billboard via multiple sources, marking the first show for the band with co-founders Axl Rose and Slash since 1993. The legendary rock band will perform Saturday night.

LCD Soundsystem's Friday night slot will also be a reunion for the now iconic dance group, which last played together in 2011. After releasing its first new song in five years, "Christmas Will Break Your Heart," sources told Billboard the band would be getting back together. The James Murphy-fronted outfit's festival appearance had been one of the leading Coachella rumors leading up to this announcement.

Other performers at this year's Coachella include Ellie Goulding, Sufjan Stevens, Jack Ü, Ice Cube, A$AP Rocky, CHVRCHES, Sia, Major Lazer, Flume, Courtney Barnett and Lord Huron, among many others.

Source : cnn.com

Teen Model Molly O'Malia, 14, Accuses Tyga of Sending Her 'Uncomfortable' Messages Online: Watch the Emotional Press Conference

An aspiring model-singer named Molly O'Malia broke down in tears about rapper Tyga during a press conference on Monday, January 4. The 14-year-old, joined by famed lawyer Gloria Allred, claimed that Kylie Jenner's boyfriend had sent her unwanted messages online.

O'Malia alleged that Tyga, 26, contacted her first on Instagram. "I knew who he was but I was surprised that he was contacting me. I thought that it could possibly be about my music, but he did not mention that in his initial communication with me," O'Malia said on Monday, via a video of the conference obtained by TMZ. "I thought that was strange, but I was thinking he would bring that up in his next message to me. However, he didn't mention it in the next message." Biggest Celebrity Scandals of 2015 O'Malia alleged that she became "uncomfortable" when Tyga wanted to speak on FaceTime. "He asked me to FaceTime three times, but I did not do it," she continued. "Because of my discomfort with why he wanted to communicate with me I quickly stopped responding to him. It's crazy how so much can come out of nothing."

O'Malia decided to come forward after reports claimed that she was hooking up with the "Stimulated" entertainer, and that she came between Tyga and Jenner, 18. "I don't want what happened to me to happen to any other young girl," she added. Tyga, meanwhile, has since denied the allegations. His manager Anthony Martini told TMZ that the star did get in touch with O'Malia, but about a music opportunity. Tyga's team reportedly found out that O'Malia had a big online following and Tyga wanted to possibly work with her on a project via his record label, Last Kings Records. In addition, TMZ obtained messages of O'Malia reportedly telling Tyga that she was 17 and not 14.

Source : usmagazine.com

Considering Credit Cards Get Some Tips Here!

The fact that credit card companies can change the interest rate on debts that were incurred when a different rate of interest was in place is similar to adjustable rate mortgages where interest rates on current debt may rise. However, in both cases, this is agreed to in advance, and is a trade off that allows a lower initial rate as well as the possibility of an even lower rate (mortgages, if interest rates fall) or perpetually keeping a below market rate (credit cards, if the user makes their debt payments on time). The universal default practice was encouraged by federal regulators, particularly those at the Office of the Comptroller of the Currency (OCC), as a means of managing the changing risk profiles of cardholders. An estimated two thirds of consumers who own credit cards in this country have an outstanding balance. That means that a lot of consumers with credit cards will be affected by the new restricted lending standards of banks. Call your bank if you have received a notice of modifications to your credit card account. If you make your payments on time and historically carry little balance, it is likely the bank will restore your old terms. You do not stand a good chance if your account is not in good standing or you carry a large balance regularly.
MIRROR BUSINESS CARD

Most U.S. credit cards are quoted in terms of nominal annual percentage rate (APR) compounded daily, or sometimes (and especially formerly) monthly, which in either case is not the same as the effective annual rate (EAR). Despite the "annual" in APR, it is not necessarily a direct reference for the interest rate paid on a stable balance over one year.

Think you've got it bad with the fees your credit card charges you? Well try this: $247 up-front, for a $300 credit line... And that's not the worst of it!
Early credit cards in the U.S., of which BankAmericard was the most prominent example, were mass produced and mass mailed unsolicited to bank customers who were thought to be good credit risks. But, "They have been mailed off to unemployables, drunks, narcotics addicts and to compulsive debtors, a process President Johnson's Special Assistant Betty Furness found very like 'giving sugar to diabetics'." These mass mailings were known as "drops" in banking terminology, and were outlawed in 1970 due to the financial chaos they caused. However, by the time the law came into effect, 100 million credit cards had been dropped into the U.S. population. After 1970, only credit card applications could be sent unsolicited in mass mailings. Multiple purchases lead to accumulated debts and with high interests, one can expect to pay more than he or she should. Skipping a single payment and you end up with a shocking monthly bill. In this article, we will discuss several ways to avoid getting trapped under multiple financial obligations brought on by credit cards. A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date. After purchasing the card, the cardholder loads the account with any amount of money, up to the predetermined card limit and then uses the card to make purchases the same way as a typical credit card. Prepaid cards can be issued to minors (above 13) since there is no credit line involved. The main advantage over secured credit cards (see above section) is that the cardholder is not required to come up with $500 or more to open an account. With prepaid credit cards purchasers are not charged any interest but are often charged a purchasing fee plus monthly fees after an arbitrary time period. Many other fees also usually apply to a prepaid card. Those things are the typical reasons why credit cards are popular to most people and all because of convenience; whatever the reason, applying for and using a credit card should not be done in an impulsive manner.

Top Reasons To Live Without Credit Cards

The table below contains a list of benefits offered in the United States for consumer credit cards. Benefits may vary in other countries or business credit cards. However, not everyone has excellent money management skills. And carrying multiple credit cards can be a really difficult task for those people who are going to establish credit and who have little experience.
VIP MEMBERSHIP CARD

Payment card numbers are found on payment cards, such as credit cards and debit cards, as well as stored value cards, gift cards and other similar cards. Some card issuers refer to the card number as the primary account number or PAN. They have a certain level of internal structure and share a common numbering scheme. Bank card numbers are allocated in accordance with ISO/IEC 781 The bank card number merely identifies the card, which is then electronically associated by the issuing organisation with one of its customers and then to the customer's designated bank accounts. In the case of stored value type cards, there is no necessary association with a particular customer.

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In recent times, credit card portfolios have been very profitable for banks, largely due to the booming economy of the late 1990s. However, in the case of credit cards, such high returns go hand in hand with risk, since the business is essentially one of making unsecured (uncollateralized) loans, and thus dependent on borrowers not to default in large numbers. As well as convenient credit, credit cards offer consumers an easy way to track expenses, which is necessary for both monitoring personal expenditures and the tracking of work related expenses for taxation and reimbursement purposes. Credit cards are accepted in larger establishments in almost all countries, and are available with a variety of credit limits, repayment arrangements. Some have added perks (such as insurance protection, rewards schemes in which points earned by purchasing goods with the card can be redeemed for further goods and services or cashback). The original goal of BofA was to offer the BankAmericard product across California, but in 1965, BofA began to sign licensing agreements with a group of banks outside of California. BofA itself (like all other U.S. banks at the time) could not expand directly into other states due to federal restrictions not repealed until 199 Over the following 11 years, various banks licensed the card system from Bank of America, thus forming a network of banks backing the BankAmericard system across the United States. The "drops" of unsolicited credit cards continued unabated, thanks to BofA and its licensees and competitors, until they were outlawed in 1970 due to the serious financial chaos they caused, but not before over 10060;million credit cards had been distributed into the American population. In addition to the main credit card number, credit cards also carry issue and expiration dates (given to the nearest month), as well as extra codes such as issue numbers and security codes. Not all credit cards have the same sets of extra codes nor do they use the same number of digits. The database also feeds into an interactive tool on the FCAC website. The interactive tool uses several interview type questions to build a profile of the user's credit card usage habits and needs, eliminating unsuitable choices based on the profile, so that the user is presented with a small number of credit cards and the ability to carry out detailed comparisons of features, reward programs, interest rates, etc.

How Many Credit Cards Should Be In My Wallet

The numbers of people who are facing mounting credit card debts are on the rise. While it's true that credit cards have numerous benefits, it can cause one's financial situation to spiral out of control quickly if he or she is not able to use credit cards responsibly. Because credit card companies make it so appealing to enroll for a card via perks, bonuses, zero interest purchases and special privileges, more and more people are using credit cards much more than debit cards. A credit card is different from a charge card: a charge card requires the balance to be paid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.
STAINLESS STEEL METAL BUSINESS CARD

Bad credit cards are of great benefit to those people who have poor credit, perhaps through circumstances in the past that were beyond their control. The convenience of being able to pay using a credit card, particularly over the phone or online, is undisputed, and not having access to a card can present real problems. However, it is important to be very aware of not only the increased charges associated with bad credit cards but also the consequences of not maintaining such a card in good order.

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The size of most credit cards is 360;3⁄8 × 260;1⁄860;in (860 × 59860;mm), conforming to the ISO/IEC 7810 ID 1 standard. Credit cards have a printed or embossed bank card number complying with the ISO/IEC 7812 numbering standard. Both of these standards are maintained and further developed by ISO/IEC JTC 1/SC 17/WG Before magnetic stripe readers came into widespread use, plastic credit cards issued by many department stores were produced on stock ("Princess" or "CR 50") slightly longer and narrower than 781 The United States Secret Service, Federal Bureau of Investigation, and U.S. Postal Inspection Service are responsible for prosecuting criminals who engage in credit card fraud in the United States, but they do not have the resources to pursue all criminals. In general, federal officials only prosecute cases exceeding $5,00 Three improvements to card security have been introduced to the more common credit card networks but none has proven to help reduce credit card fraud so far. First, the cards themselves are being replaced with similar looking tamper resistant smart cards which are intended to make forgery more difficult. The majority of smart card (IC card) based credit cards comply with the EMV (Europay MasterCard Visa) standard. Second, an additional 3 or 4 digit Card Security Code (CSC) is now present on the back of most cards, for use in card not present transactions. Stakeholders at all levels in electronic payment have recognized the need to develop consistent global standards for security that account for and integrate both current and emerging security technologies. They have begun to address these needs through organizations such as PCI DSS and the Secure POS Vendor Alliance. The ideal option for mobile merchants then is to upgrade their payment system to a wireless credit card terminal that can read a credit cards magnetic strip. This is a simple step that will ensure mobile merchants receive all the revenue for credit card transactions and reduce risk of chargebacks. The addition of a wireless credit card terminal also creates ease in the payment process, which will inevitably lead to increased sales and less wait time for customers. Finally, swiping the card instead of keying in a card will result in lower fees. Many credit cards offer rewards and benefits packages, such as enhanced product warranties at no cost, free loss/damage coverage on new purchases, various insurance protections, for example, rental car insurance, common carrier accident protection, and travel medical insurance. The table below contains a list of benefits offered in the United States for consumer credit cards. Benefits may vary in other countries or business credit cards.

How Credit Cards Cause Global Warming

Just compare the number of credit cards issued in India and America. In America, the number of issued credit card is more than 500 million. This is certainly the statistics, which explains why ECommerce has been a success in United States. Credit card can serve as a major mode of payment and the success of Ecommerce lies in the success of the credit card payment system. You can implement the payment gateways in your web site with the help of some of the best India Web Hosting services. You may be wondering why you would want to compare business credit cards at a professional networking event. For one thing, it's a topic of conversation that's different from the standard "what do you do?" that most people are discussing. This means that a business credit card conversation is going to get people's attention and is going to help to make you memorable. In addition, if you know something about business credit cards, you can offer a service to others by providing them with information that benefits the financial standing of their business. And because business credit cards are something that everyone will know about, it's something that no one is going to feel inferior about during the discussion. By bringing up a topic that everyone is a mini expert in, you make everyone feel good about themselves. This is the key to good social networking.
CREDIT CARD

Credit card debt has increased steadily. Since the late 1990s, lawmakers, consumer advocacy groups, college officials and other higher education affiliates have become increasingly concerned about the rising use of credit cards among college students. The major credit card companies have been accused of targeting a younger audience, especially college students, many of whom are already in debt with college tuition fees and college loans and who typically are less experienced at managing their own finances. Credit card debt may also negatively affect their grades as they are likely to work more both part and full time positions.

Contactless credit card skimming a real danger. Another news report where Identity Stronghold shows how easy it is to scan or skim all credit card data witho...
Hacking has become an important tool in the hand of cyber criminals to take away the confidential information relating to credit cards and use it illegally for their personal advantage i.e. purchasing goods or online transaction of money etc. Secured credit cards are an option to allow a person with a poor credit history or no credit history to have a credit card which might not otherwise be available. They are often offered as a means of rebuilding one's credit. Fees and service charges for secured credit cards often exceed those charged for ordinary non secured credit cards. For people in certain situations, (for example, after charging off on other credit cards, or people with a long history of delinquency on various forms of debt), secured cards are almost always more expensive than unsecured credit cards. Prior to credit cards, each merchant had to evaluate each customer's credit history before extending credit. That task is now performed by the banks which assume the credit risk. Credit cards can also aid in securing a sale, especially if the customer does not have enough cash on his or her person or checking account. Extra turnover is generated by the fact that the customer can purchase goods and/or services immediately and is less inhibited by the amount of cash in his or her pocket and the immediate state of his or her bank balance. Much of merchants' marketing is based on this immediacy. Whilst the law remains in the balance, many consumers have made claims against their credit cards providers for the charges that they have incurred, plus interest that they would have earned had the money not been deducted from their account. It is likely that claims for amounts charged in excess of £12 will succeed, but claims for charges at the OFT's £12 threshold level are more contentious. The United States Secret Service, Federal Bureau of Investigation, and U.S. Postal Inspection Service are responsible for prosecuting criminals who engage in credit card fraud in the United States, but they do not have the resources to pursue all criminals. In general, federal officials only prosecute cases exceeding $5,00 Three improvements to card security have been introduced to the more common credit card networks but none has proven to help reduce credit card fraud so far. First, the cards themselves are being replaced with similar looking tamper resistant smart cards which are intended to make forgery more difficult. The majority of smart card (IC card) based credit cards comply with the EMV (Europay MasterCard Visa) standard. Second, an additional 3 or 4 digit Card Security Code (CSC) is now present on the back of most cards, for use in card not present transactions. Stakeholders at all levels in electronic payment have recognized the need to develop consistent global standards for security that account for and integrate both current and emerging security technologies. They have begun to address these needs through organizations such as PCI DSS and the Secure POS Vendor Alliance.